The growth rates shown in the illustration are the overall average over the term of the projection for each of the three scenarios (low/mid/high growth). Each fund will have its own fund-specific growth rate that we use to calculate the projected values on a monthly basis, but we show one overall figure to make it easier to understand.
They would not reflect any account/bond or fund charges, as they relate solely to the growth of the underlying funds themselves.
The fund type for each fund are listed in the Excel fund list available here; Investment Range.